Hospitality Insurance
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Get indemnity™ hospitality insurance
Hospitality insurance includes a variety of covers designed for businesses that work within the service industry
At get indemnity™ hospitality insurance starts from £393 annually or £32.75 monthly. Below we provide some background about the different hospitality insurance covers available and explain what you should take into consideration.
Get indemnity™ hospitality insurance
As specialist hospitality insurance broker, we work on your behalf to identify cover designed for your specific needs. We work with a wide range of hospitality insurers to indentify the most appropriate cover to meet your needs.
What is hospitality insurance?
Cover will typically include:
What business activities can hospitality insurance cover?
What to consider when buying hospitality insurance?
Commercial combined insurance is the most commonly purchased product by companies working within the hospitality industry, as it offers a selection of covers under one policy.
How to compare hospitality insurance?
Please complete our online application to obtain your no-obligation quotes. If you are unsure which hospitality insurance best suit your business, contact us on 0345 625 0711 and we can discuss your requirements in detail.
Hospitality insurance explained
The below guide identifies scenarios your organisation may face and the hospitality insurance available that can offer protection:
| What would happen if… | Hospitality Insurance: | What the coverage does: |
|---|---|---|
| Your business premises, equipment and stock were destroyed as a result of a fire. |
Protects the work in progress on a construction site in the event damage occurs as a result of an insured peril. |
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|
Your business was unable to trade as a result of a flood. |
Protects against the loss of income from being unable to trade as a result of the insured peril (i.e. property damage from a fire, flood or storm, ect). | |
|
A delivery of stock on route to a customer was damaged. |
Protect against damage to property in transit by vehicles owned by or operated by you, or the custody or control of a third-party carrier. | |
|
There was a power cut and your frozen and chilled stock was damaged. |
Protect against damage to property, being stock in any cold chamber, by deterioration or putrefaction in consequence of an insured event. | |
| Your licence to sell alcohol is withdrawn after issues with public nuisance, public safety or sale of alcohol to minors. | Will protect against the licence for the sale of alcohol being forfeited, suspended or withdrawn. Can cover the loss of gross income, depreciation in the value of the premises and reasonable expenses. | |
|
A customer is seriously injured and brings a compensation claim after falling over at your establishment. |
Protects the company against legal costs incurred in defending the allegation; and damages from any award or settlement. | |
|
An employee is seriously injured at work after an altercation and brings a compensation claim against your business. |
Protects the company against legal costs incurred in defending the allegation; and damages from any award or settlement. | |
| An accident occurs with one of your delivery drivers at fault. | Protects from an accident causing damage or injury. Comprehensive cover will provide for damage to your car, van or haulage vehicle. | |
|
A cyber attack brings down your booking system and you are unable to take new bookings through the internet. |
Protects the company against financial loss arising from security and privacy breaches. Can cover first and third-party losses, including the subsequent loss of profits and increased costs. | |
|
There is an investigation by the Health and Safety Executive into the directors after a fatal case of a nut allergy. |
Protects the directors against legal costs incurred in defending the allegation; and damages from any award or settlement. | |
| An allegation of corporate manslaughter is brought against the company. | Protects the company against legal costs incurred in defending the allegation. | |
|
An employee claims sexual harassment against your business after an incident with their supervisor. |
Protects the company against legal costs incurred in defending the allegation; and damages from any award or settlement. | |
| You discover an employee has been stealing thousands of pounds of stock. | Protects the company against financial loss from the theft of property, money or securities by an employee. |
How can event cancellation insurance provide protection?
Adverse weather conditions or the venue inaccessibility are just a couple of the reasons why events are cancelled.
There are a range of options available for event cancellation cover, including loss of revenue or profit. Please contact us to discuss and we can identify a selection of options tailored to your business needs.
This guide is for information purposes and based on sources which we believe are reliable, the general risk management and insurance information is not intended to be taken as advice with respect to any individual circumstance and cannot be relied upon as such.